Underwriting Isn’t Just About Data —
It’s About Decisions.

Deploy Intelligent Risk Assessment Models That Deliver Speed, Accuracy, and Portfolio Resilience.

Why Traditional Risk Assessment Falls Short in Insurance

Traditional underwriting can’t handle today’s dynamic data—leaving insurers with inaccurate, slow, and unscalable risk decisions.

0 %

of insurers say outdated risk models slow their underwriting cycles

0 %

of early-stage claims could have been predicted with better upfront risk modeling

What Modern Risk Assessment Models Must Enable

Today’s risk intelligence must be granular, real-time, adaptable, and explainable across products and channels.

Behavior-Based Risk Scoring

Leverage telematics, health app data, credit history, lifestyle inputs, and purchase patterns to score dynamic risk

Multi-Variable Underwriting Models

Use demographic, financial, behavioral, and historical inputs — weighted by ML-based calibration

Product-Specific Model Libraries

Risk scoring frameworks for life, motor, health, travel, home, and group insurance

Pre-Issuance Fraud Flags

Detect synthetic profiles, overlapping policies, or conflicting declarations using pattern recognition

Continuous Learning Engines

Improve accuracy with feedback from claims, renewals, and customer servicing outcomes

Explainable AI (XAI) Frameworks

Clearly show why a risk score was assigned — with audit-ready logic

Scenario Simulation Tools

Forecast portfolio-level risk under policy, geography, or behavioral variable changes

Third-Party Data Integrations

Pull external data (bureau, medical records, vehicle history, wearables, IIB, government sources) to enrich model depth

Modern insurance needs models that not only assess — but adapt, defend, and deliver.

Why INT. Builds Risk Models That Power Profitable Underwriting

We combine actuarial science, machine learning, and regulatory-grade transparency to build scoring models that balance speed, depth, and accountability.

No-Code Risk Model Builder

Empower business teams to design, test, and deploy risk rules and scoring logic — without IT bottlenecks

Unified Underwriting Engine

One platform for rule-based, ML-based, and blended scoring models — configurable by product and segment

Custom Training on Proprietary Data

Train models using your claims, application, and servicing data — for performance that reflects your book

A/B Testing & Performance Analytics

Compare models based on approval rate, claim incidence, NPA levels, or premium yield

Cross-Platform Deployment

Embed models across POS apps, agent portals, D2C journeys, and third-party quote engines

Compliance-First Design

Store model decisions, audit trails, overrides, and inputs for IRDAI, internal audit, and reinsurance validation

INT. delivers risk modeling that scales underwriting precision — not operational burden.

case studies

Proof That Speaks

Featured

41%

reduction in manual underwriting effort for term and health policies

36%

improvement in early-claim detection accuracy through continuous model retraining

Get a Free Risk Model Readiness & Performance Audit

Let’s evaluate the health, coverage, and efficiency of your current risk engines — and identify where ML, XAI, or data enrichment can elevate impact.

You’ll receive:

  • Risk variable and scoring input landscape audit
  • Model precision, overfit, and explainability score
  • Compliance and documentation readiness check
  • Portfolio risk scenario and approval efficiency map
WHO WE ARE

At INT., excellence and innovation drive everything we do.

We go beyond maintaining operations—we empower businesses with data, insights, and best practices to stay ahead in an ever-evolving digital landscape.

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Offices Worldwide
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